(Luận văn) factors influencing the customers intention to use mobile commerce services in vietnam, an empirical analysis

UNIVERSITY OF ECONOMICS HO CHI MINH CITY t to International School of Business ng hi ep w n lo ad ju y th Tran Duc Thuan yi pl n ua al n va FACTORS INFLUENCING THE CUSTOMERS’ fu ll INTENTION TO USE MOBILE COMMERCE oi m at nh SERVICES IN VIETNAM: AN EMPIRICAL ANALYSIS z z k jm ht vb om l.c gm MASTER OF BUSINESS (Honours) n a Lu n va y te re th Ho Chi Minh City - Year 2015 UNIVERSITY OF ECONOMICS HO CHI MINH CITY t to International School of Business ng hi ep w n lo ad ju y th Tran Duc Thuan yi pl n ua al n va FACTORS INFLUENCING THE CUSTOMERS’ fu ll INTENTION TO USE MOBILE COMMERCE oi m at nh SERVICES IN VIETNAM: AN EMPIRICAL ANALYSIS z z k jm ht vb ID: 22120112 om n a Lu SUPERVISOR: Dr DINH CONG KHAI l.c gm MASTER OF BUSINESS (Honours) n va y te re th Ho Chi Minh City - Year 2015 t to ng hi ACKNOWLEDGEMENTS ep The research described in this Master’s thesis was carried out during the second w n half of the year 2014 in Ho Chi Minh and Hanoi City I would like to take this lo ad honor to acknowledge those who always helped, encouraged, and supported me ju y th during writing this thesis, who I will always passionately remember yi First of all, I would like to express my gratitude to my supervisor, Dr Dinh Cong pl Khai, for his guidance, advices and support throughout my thesis It is due to his al n ua patient encouragement that I was motivated to accomplish my Master’s thesis va Secondly, I would like to thank all the ISB Research Committee, the lecturers, and n the staff at International School of Business and University of Economics Ho Chi fu ll Minh City for everything you have done for me during the MBA course Thirdly, I m oi would like to express my special thanks to my beloved family and friends who at nh provided support and encouragement throughout this long process Finally, I would z like to show my thankfulness to those who participated in this study Your valuable z contributions play an important role for the completion and success of the study jm ht vb Ho Chi Minh City, Vietnam, k om l.c gm December 07th, 2014 a Lu Tran Duc Thuan n n va y te re th i t to ABSTRACT ng hi Mobile commerce (M-commerce) refers to the ability to conduct wireless ep commerce transactions using mobile applications in mobile devices M-commerce w is marking a new era of innovation in business Advances in wireless technology n lo have increased the number of people using mobile devices and accelerated the ad rapid development of M-commerce conducted with these devices y th ju The purpose of this study is to investigate the factors influencing the customers’ yi intention to use M-commerce in Vietnam In order to evaluate those factors, the pl ua al extended Technology Acceptance Model (TAM) that integrates Innovation n Diffusion Theory (IDT) is implemented to investigate what determine users’ n va adoption of M-commerce, in which we explore the relationships among those fu following factors, namely, Perceived Usefulness & Compatibility, Perceived Ease ll of Use, Perceived Cost, Perceived Trust toward Intention to Use M-commerce m oi services Furthermore, Self – Efficacy was analyzed as a moderator at nh The quantitative research method was used Through the direct and online survey, z z data collected from 608 users in Vietnam were tested against the research model vb ht using the hierarchical multiple regression analysis approach The results strongly k jm support the proposed conceptual model in predicting customer’s intention to use gm M-commerce services The findings made a contribution in terms of allowing us to understand the factors that can contribute to the adoption of M-commerce in l.c om Vietnam This study successfully extends the TAM in the context of M-commerce by incorporating three additional constructs – Compatibility, Perceived Cost and Trust Moreover, several implications for a Lu Perceived information n n management practices are discussed va technology/information system acceptance research and M-commerce service th ii y Ease of Use, , Perceived Cost, Perceived Trust, Behavioral intention te re Keywords: Mobile commerce, M-commerce, Perceived Usefulness & Compatibility, Perceived t to TABLE OF CONTENTS ng hi ep w n ACKNOWLEDGEMENTS i ABSTRACT ii TABLE OF CONTENTS iii lo LIST OF FIGURES vi LIST OF TABLES vii CHAPTER 1: INTRODUCTION ad y th ju 1.1 Research Background yi 1.2 Research Motivation pl ua al 1.3 Statement of purposes and research questions 1.4 Scope of the study n va 1.5 Significance of the study n 1.6 Research methodology fu ll 1.7 Thesis structure m oi CHAPTER 2: LITERATURE REVIEW nh 2.1 M-commerce at 2.1.1 Mobile Payments z z 2.1.2 Mobile Banking ht vb 2.1.3 Mobile Advertising jm 2.1.4 Mobile Entertainment k 2.1.5 Mobile Shopping and Retailing gm 2.1.6 Mobile Ticketing 10 l.c 2.1.7 Mobile Learning 10 om 2.2 M-commerce Technologies 11 a Lu 2.2.1 General Packet Radio Service (GPRS) 11 2.2.2 Wireless Application Protocol (WAP) 12 n iii th 2.4 Rationale for hypotheses 15 y 2.3 Technology Acceptance Model (TAM) 13 te re 2.2.5 The Fourth Generation - 4G 13 n 2.2.4 The Third Generation - 3G 13 va 2.2.3 Wireless Local Area Network (WLAN) 12 2.4.1 Perceived usefulness and the behavioral intention to use M-commerce 15 t to 2.4.2 Perceived ease of use and the behavioral intention to use M-commerce 16 ng hi 2.4.3 Compatibility and the behavioral intention to use M-commerce 16 ep 2.4.4 Perceived cost and the behavioral intention to use M-commerce 18 2.4.5 Perceived trust and the behavioral intention to use M-commerce 18 w n 2.4.6 Moderating variable – Self-efficacy 19 lo ad 2.5 Research Model 22 y th CHAPTER 3: RESEARCH METHODOLOGY 23 ju 3.1 The research approach and research procedure 23 yi 3.2 Measurement scale 23 pl 3.2.1 Independent and moderating variables 23 al ua 3.2.2 Dependent variable: consumer’s intention to use M-commerce 24 n 3.3 Sampling design 26 va n 3.3.1 Population 26 ll fu 3.3.2 Sample size 27 oi m 3.4 Questionnaire design 27 3.5 Pilot survey 28 nh at 3.6 Data collection 28 z 3.7 Data analysis method 29 z vb CHAPTER 4: EMPIRICAL RESULTS & DISCUSSIONS 32 jm ht 4.1 Samples and Demographics statistics 32 4.2 Reliability analysis 35 k gm 4.3 Exploratory Factor Analysis 37 4.4 The revised hypotheses and conceptual model 39 l.c 4.5 Correlation analysis 43 om 4.6 Multiple Linear Regression Analysis 44 a Lu 4.7 Discussions of findings 47 n 4.7.1 Discussions of findings for H1, H2, H4, H5 47 iv th 5.3 Managerial implications 56 y 5.2 Theoretical implications 56 te re 5.1 Conclusions 54 n CHAPTER 5: CONCLUSION AND RECOMMENDATIONS .54 va 4.7.2 Discussions of findings for Moderation of Self-efficacy 48 5.4 Limitations and recommendations for future researches 59 t to ng REFERENCES 60 APPENDIX A: QUESTIONAIRE 67 APPENDIX B: DATA ANALYSIS OUTPUT 74 hi ep w n lo ad ju y th yi pl n ua al n va ll fu oi m at nh z z k jm ht vb om l.c gm n a Lu n va y te re th v t to LIST OF FIGURES ng hi Figure 1: Research Model 22 ep Figure 2: Research Procedure 24 Figure 3: Revised Conceptual Model 43 w n Figure 4: The Histogram 84 lo ad Figure 5: The Normal P-P Plot of Regression Standardized Residual 85 ju y th Figure 6: Scatterplot 85 yi pl n ua al n va ll fu oi m at nh z z k jm ht vb om l.c gm n a Lu n va y te re th vi t to LIST OF TABLES ng hi Table 3.1: Sources of Measurement 25 ep Table 3.2: Scale items of factors influencing the intention to use M-commerce 25 Table 4.1: The profile of respondents 33 w n Table 4.2: The reliability statistics 36 lo Table 4.3: KMO and Barlett’s test 37 ad Table 4.4: Total Variance Explained 38 y th ju Table 4.5: Rotated Component Matrix 39 yi Table 4.6: The revised Cronbach’s Alpha summary after EFA 40 pl Table 4.7: Result of factor analysis 41 al ua Table 4.8: Correlations Matrix 43 n Table 4.9: Coefficient of multiple linear regression analysis 46 va n Table 4.10: Model summary of multiple linear regression analysis 46 ll fu Table 4.11: Model summary with moderating variable of Self Efficacy 49 oi m Table 4.12: Hierarchical Regressions result with moderating variable of Self-Efficacy 51 Table 4.13: Hypotheses Summary 52 at nh z z k jm ht vb om l.c gm n a Lu n va y te re th vii t to CHAPTER 1: INTRODUCTION ng 1.1 Research Background hi ep Mobile Commerce (M-commerce) is a concept that involves different applications, new technologies and services which are accessible from Internet enabled Mobile w n devices Mobile Commerce is also known as Mobile Electronic Commerce (Zhang lo ad et al., 2012) In other words, M-commerce transactions are basically electronic y th transactions conducted using a mobile terminal and a wireless network Mobile ju terminals include all portable devices such as smartphones, laptops, net books, yi pl tablet computers and phablets as well as devices mounted in the vehicles that are ua al capable of accessing wireless networks and performing M-commerce transactions n (Veijalainen et al., 2006) A simple definition of M-commerce describes it as any with a va transaction monetary value that is conducted via a mobile n ll fu telecommunications network (Müller-Veerse, 1999) M-commerce is a new concept oi m and emerging in a context of an established norms, rules and standards With an nh increasingly powerful mobile technologies like 3G and the Internet of Things, M- at commerce has emerged as a new business phenomenon and has become a market z with great potential (Zhang et al., 2012) It will continue to extend the way z ht vb organizations conduct business, and change the relationships between companies, k jm customers, suppliers and partners gm A report by the end of 2012 from BI Intelligence took a close look at the dollar value potential of the mobile commerce market and showed that in the United l.c om States, 29 percent of mobile users had made a purchase with their phones Tablets a Lu even drove more traffic to online retailers than smartphones, and tablet consumers n spent more per transaction than PC-based shoppers According to Bank of th company uses a smartphone application to arrange rides between riders and y San Francisco, United States, which operates in multiple international cities The te re success of M-commerce is Uber Uber is a ridesharing service headquartered in n $67.1 billion on smartphone and tablet retail purchases An illustration of a topical va America’s forecast, in year 2015, American and European shoppers will spend ❑ ❑ ❑ ❑ ❑ w Hoàn toàn đồng ý Đồng ý ep Trung lập hi Không đồng ý ng Hạng mục khảo sát Hồn tồn khơng đồng ý t to MÃ n lo ad I Tính dễ sử dụng dịch vụ thương mại di động y th Việc học cách sử dụng dịch vụ thương mại di động dễ dàng với ju PEU1 ❑ ❑ ❑ ❑ ❑ PEU3 Sử dụng dịch vụ thương mại di động khơng địi hỏi nhiều kỹ kiến thức ❑ ❑ ❑ ❑ ❑ PEU4 Giao diện sử dụng dịch vụ thương mại di động dễ hiểu dễ thao tác ❑ ❑ ❑ ❑ ❑ PEU5 Tôi cảm thấy dịch vụ thương mại di động dễ sử dụng ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ pl Tơi dễ dàng thực tơi muốn với dịch vụ thương mại di động gm yi PEU2 n ua al n va ll fu m oi II Sự tiện lợi dịch vụ thương mại di động PU2 Sử dụng dịch vụ thương mại di động cách để tiết kiệm thời gian PU3 Dịch vụ thương mại di động tiện lợi ❑ jm PU4 Sử dụng dịch vụ thương mại di động giúp tơi hồn thành cơng việc tốt ❑ ❑ PU5 Dịch vụ thương mại di động hữu ích tơi ❑ ❑ z Dịch vụ thương mại di động hỗ trợ nhiều công việc ngày vb at nh PU1 z ❑ ht ❑ k ❑ ❑ ❑ l.c ❑ ❑ CO1 Sử dụng thương mại di động tương thích với nhiều mặt giao dịch trực tuyến ❑ ❑ ❑ ❑ ❑ CO2 Sử dụng thương mại di động phù hợp với lối sống ❑ ❑ ❑ ❑ ❑ CO3 Sử dụng thương mại di động phù hợp với sở thích tơi tham gia vào giao dịch trực tuyến ❑ ❑ ❑ ❑ ❑ om III Sự tương thích dịch vụ thương mại di động n a Lu n va y te re th IV Chi phí sử dụng dịch vụ thương mại di động 71 ❑ ng hi ❑ ❑ ❑ ❑ ❑ PC2 Tơi nghĩ phí th bao phí truy cập mạng không dây đắt sử dụng thương mại di động ❑ ❑ ❑ ❑ ❑ PC3 Tơi nghĩ phí giao dịch/ phí dịch vụ đắt sử dụng thương mại di động ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ Tôi tin lỗi kỹ thuật trình sử dụng dịch vụ thương mại di động xảy ❑ ❑ ❑ ❑ ❑ PT3 Tôi tin khoản tốn thơng qua kênh thương mại di động xử lý cách an toàn ❑ ❑ ❑ ❑ ❑ PT4 Tôi tin giao dịch thực thơng qua thương mại di động an tồn ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ❑ ep Tôi nghĩ sử dụng thương mại di động, chi phí mua thiết bị di động đắt gm t to PC1 w n lo V Sự tin tưởng vào dịch vụ thương mại di động ad PT1 Tôi tin vào thông tin mà dịch vụ thương mại di động cung cấp ju y th PT2 yi pl n ua al Tôi tin thông tin cá nhân tơi giữ bí mật sử dụng công nghệ thương mại di động Theo tôi, dịch vụ thương mại di động đáng tin cậy n va PT5 ll fu oi m PT6 Tơi sử dụng dịch vụ thương mại di động mà không cần giúp đỡ người khác SE2 Tơi có thời gian cần thiết để làm cho dịch vụ thương mại di động trở nên hữu ích cho tơi SE3 Tơi có kiến thức kỹ cần thiết để sử dụng dịch vụ thương mại di động ❑ SE4 Tơi tự sử dụng dịch vụ thương mại di động tương đối tốt ❑ ❑ at SE1 jm nh VI Sự tự tin vào lực thân z z vb ❑ ht ❑ k ❑ om l.c VII Ý định sử dụng thương mại di động ❑ Nếu tơi có quyền truy cập vào hệ thống thương mại di động, sử dụng chúng ❑ ❑ ❑ ❑ ❑ IU2 Tôi sử dụng thương mại di động chi phí hợp lý ❑ ❑ ❑ ❑ ❑ IU3 Tôi tin quan tâm thương mại di động tăng tương lai ❑ ❑ ❑ ❑ ❑ IU4 Tôi tin sử dụng thương mại di động tương lai ❑ ❑ ❑ ❑ ❑ n n va y te re th 72 a Lu IU1 t to PHẦN 3: THÔNG TIN TỔNG QUÁT ng Giới tính anh/chị: ❑ Nam ❑ Nữ hi Tuổi anh/ chị: ep w ❑ Dươi 20 tuổi ❑ 20-29 tuổi ❑ 30-39 tuổi ❑ Từ 40 tuổi trở lên n lo Công việc anh/ chị: ad y th ❑ Học sinh/ Sinh viên ❑ Nhân viên ju ❑ Quản lý/ Trưởng nhóm ❑ Cơng việc/ vị trí khác yi pl Thu nhập trung bình hàng tháng anh/ chị (VNĐ): ❑ - 10 triệu ❑ 10 – 15 triệu ❑ Trên 15 triệu n ua al ❑ Dươi triệu va n Anh/ chị sử dụng thương mại di động lần sáu tháng vừa qua? ❑ – l ần ll fu ❑ Không sử dụng ❑ Nhiều lần oi m ❑ – l ần at nh Thời gian trung bình sử dụng thiết bị di động (điện thoại thơng minh, máy tính bảng, v.v) để truy cập mạng vô tuyến ngày anh/ chị z z giờ? vb ❑ – jm ht ❑ Ít ❑ – ❑ Nhiều k nhất? ❑ Giải trí ❑ Hoạt động khác n a Lu ❑ Công việc om ❑ Học tập l.c gm Anh chị thường sử dụng dịch vụ thương mại di động vào mục đích nhiều n va y te re th 73 t to APPENDIX B: DATA ANALYSIS OUTPUT ng Descriptive Statistics hi Gender ep Frequency Percent Valid Percent Cumulative Percent 59.7 59.7 59.7 Valid Male 245 40.3 40.3 100.0 Total 608 100.0 100.0 n 363 ad w Female lo y th ju Age yi Frequency Percent Valid Percent Cumulative pl Percent al Less than 20 28.3 28.3 28.3 378 62.2 62.2 90.5 52 8.6 8.6 99.0 1.0 1.0 100.0 100.0 100.0 n ua From 20 to 29 172 From 30 to 39 fu 608 ll Total n More than 40 va Valid oi m Occupation nh Frequency Percent Valid Percent Cumulative at 62.2 62.2 18.6 80.8 7.1 ht Manager/ Supervisor 43 87.8 Other 74 12.2 12.2 100.0 Total 608 100.0 100.0 7.1 Percent Valid Percent Cumulative Percent From 5M to 10M 122 20.1 20.1 89.1 From 10M to 15M 36 5.9 5.9 95.1 More than 15M 30 4.9 4.9 100.0 608 100.0 100.0 Total y te re 69.1 n 69.1 va 69.1 n 420 a Lu Valid Less than 5M om Frequency l.c Income gm 18.6 k 113 jm Staff vb 62.2 z 378 z Valid Student Percent th 74 t to ng hi ep Times to use the services in the past months Frequency Percent Valid Percent Cumulative Percent w n lo ad Valid 128 21.1 21.1 21.1 From to times 159 26.2 26.2 47.2 From to times 92 15.1 15.1 62.3 229 37.7 37.7 100.0 608 100.0 100.0 y th Never More than times ju Total yi pl Time to use smart mobile devices for connecting wireless networks per day (hour) Percent Valid Percent Cumulative Percent n ua al Frequency 17.8 17.8 17.8 139 22.9 22.9 40.6 From to hours fu 25.0 25.0 65.6 More than hours 209 34.4 34.4 100.0 Total 608 From to hours 152 ll Valid 108 n va Less than hour oi m 100.0 100.0 nh Cumulative Percent For study 129 21.2 vb 21.2 For work 171 28.1 28.1 49.3 For entertainment 228 37.5 37.5 Other 80 13.2 13.2 Total 608 100.0 100.0 om a Lu n % 0 608 100.0 procedure 75 th a Listwise deletion based on all variables in the y 100.0 te re 608 n va Total 100.0 l.c Excluded 86.8 gm a k Case Processing Summary Valid jm 2.1 Perceived Ease of Use N 21.2 ht Cronbach’s Alpha Test Cases Valid Percent z Valid Percent z Frequency at The most often purpose when using M-commerce t to Reliability Statistics Cronbach's N of Items ng Alpha hi ep 803 w Item-Total Statistics n lo Scale Mean if Scale Variance Item Deleted if Item Deleted Cronbach's Total Alpha if Item Correlation Deleted ad Corrected Item- 8.770 572 771 14.0691 8.592 657 743 Perceived Ease of Use 14.2582 9.296 481 800 14.0905 9.091 660 746 13.9605 9.194 587 766 ju 13.9704 Perceived Ease of Use pl y th Perceived Ease of Use yi Perceived Ease of Use al Perceived Ease of Use ua n 2.2 Perceived Usefulness & Compatibility n va N of Items ll Cronbach's fu Reliability Statistics m at nh 862 oi Alpha z Item-Total Statistics z Scale Item Deleted Variance if Corrected vb Scale Mean if Item-Total ht 20.537 Perceived Usefulness & Compatibility 25.7813 21.249 Perceived Usefulness & Compatibility 25.7039 Perceived Usefulness & Compatibility Perceived Usefulness & Compatibility 603 847 853 21.497 621 845 25.9572 20.321 687 837 25.8503 20.497 690 Perceived Usefulness & Compatibility 26.0543 21.607 578 Perceived Usefulness & Compatibility 26.0691 21.059 600 847 Perceived Usefulness & Compatibility 25.9638 21.300 563 851 837 849 n a Lu va n te re Reliability Statistics y th N of Items Alpha 771 l.c 2.3 Perceived Cost Cronbach's gm 550 om 25.8799 Deleted k Perceived Usefulness & Compatibility jm Item Deleted Correlation Cronbach's Alpha if Item 76 t to Item-Total Statistics ng Scale Mean if Scale Variance Item Deleted if Item Deleted Cronbach's Total Alpha if Item Correlation Deleted hi Corrected Item- ep w n Perceived Cost 4.9638 3.251 532 775 Perceived Cost 5.0461 3.029 656 632 Perceived Cost 5.1020 3.255 633 663 lo ad 2.4 Perceived Trust y th ju Reliability Statistics N of Items yi Cronbach's pl Alpha n ua al 845 Item-Total Statistics va Scale Variance Corrected Item- Cronbach's Item Deleted if Item Deleted Total Alpha if Item Correlation Deleted n Scale Mean if ll fu m 15.7944 13.551 505 841 Perceived Trust 16.0592 Perceived Trust 15.8832 12.843 564 831 12.383 673 810 Perceived Trust 15.8569 12.340 703 804 Perceived Trust 15.9934 11.895 657 813 Perceived Trust 15.8980 12.401 oi Perceived Trust at nh z z vb 653 ht k jm 2.5 Self-Efficacy Reliability Statistics gm Cronbach's N of Items Alpha l.c om 769 814 Item-Total Statistics Cronbach's Total Alpha if Item Correlation Deleted 719 Self Efficacy 10.8043 4.892 469 763 Self Efficacy 10.6974 4.234 650 673 Self Efficacy 10.7122 4.294 606 695 77 th 570 y 4.005 te re 10.9309 n Self Efficacy va Corrected Item- if Item Deleted n Scale Variance Item Deleted a Lu Scale Mean if t to 2.6 Intention to Use M-commerce Reliability Statistics ng Cronbach's N of Items hi ep Alpha 806 w n Item-Total Statistics lo ad Scale Variance Corrected Item- Cronbach's Item Deleted if Item Deleted Total Alpha if Item Correlation Deleted y th Scale Mean if 12.0049 4.170 499 815 Intention to Use 11.7615 3.958 613 761 Intention to Use 11.8010 3.784 686 725 11.7763 3.670 695 719 ju Intention to Use yi pl ua al Intention to Use n Exporatory Factor Analysis – EFA va n 3.1 KMO and Bartlett's Test fu ll KMO and Bartlett's Test m 892 Approx Chi-Square 6518.426 Kaiser-Meyer-Olkin Measure of Sampling Adequacy oi nh Bartlett's Test of Sphericity df 325 at z Sig .000 z k jm ht vb om l.c gm n a Lu n va y te re th 78 t to 3.2 Total Variance Explained hi Component ng Total Variance Explained Initial Eigenvalues ep Total w Cumulative Variance % Rotation Sums of Squared Loadings Loadings Total % of Cumulative Variance % Total % of Cumulative Variance % 28.231 28.231 7.340 28.231 28.231 4.194 16.130 16.130 3.018 11.609 39.840 3.018 11.609 39.840 3.527 13.567 29.697 1.970 7.576 47.416 1.970 7.576 47.416 2.838 10.915 40.611 6.042 53.458 1.571 6.042 53.458 2.537 9.758 50.369 1.327 5.106 58.564 1.327 5.106 58.564 2.131 8.195 58.564 978 lo 7.340 y th n % of Extraction Sums of Squared ad 1.571 ju 62.325 806 pl yi 3.761 65.424 770 2.963 726 2.790 10 665 2.557 11 636 2.447 76.182 12 582 2.240 78.422 13 561 2.156 80.578 14 530 2.039 82.618 15 516 1.984 84.602 16 482 1.856 86.458 17 444 1.708 88.165 18 420 1.614 89.780 19 418 1.608 91.388 20 398 1.529 92.917 21 347 1.334 94.251 22 330 1.270 95.521 23 321 1.236 96.757 24 312 1.200 97.957 25 280 1.077 99.034 26 251 966 100.000 3.099 ua al 68.387 71.177 n n va 73.735 ll fu oi m at nh z z k jm ht vb om l.c gm n a Lu Extraction Method: Principal Component Analysis n va y te re th 79 t to 3.3 Rotated Component Matrix a ng Rotated Component Matrix hi Component ep w n Perceived Usefulness & Compatibility 745 Perceived Usefulness & Compatibility 742 Perceived Usefulness & Compatibility 675 lo 665 Perceived Usefulness & Compatibility 651 ad Perceived Usefulness & Compatibility y th Perceived Usefulness & Compatibility ju yi 541 pl 803 al 779 ua Perceived Trust 671 n 670 nh Perceived Ease of Use 660 at Perceived Ease of Use 634 z 804 z Intention to Use 803 vb Intention to Use 735 jm ht Intention to Use Intention to Use 554 851 k Perceived Cost Perceived Cost Extraction Method: Principal Component Analysis n a Lu Rotation converged in iterations .758 om Rotation Method: Varimax with Kaiser Normalization .843 l.c gm Perceived Cost a .726 oi Perceived Ease of Use 737 m Perceived Ease of Use ll Perceived Ease of Use 614 fu Perceived Trust 746 va Perceived Trust 775 n Perceived Trust 629 Perceived Usefulness & Compatibility Perceived Trust 645 Perceived Usefulness & Compatibility Perceived Trust n va y te re th 80 t to Correlations ng Correlations hi Perceived Ease of Usefulness Use and ep Perceived Perceived Perceived Cost Trust Self- Intention Efficacy to Use w Compatibility n Pearson lo of Use Sig (2-tailed) ad Correlation y th N ju Pearson yi Perceived Sig (2-tailed) N 000 000 000 000 000 608 608 608 608 608 608 560** -.152** 268** 420** 558** 000 000 000 000 608 608 -.143** -.152** 007 -.104* -.206** 000 000 866 010 000 608 608 608 608 608 608 268** 007 346** 230** 000 866 000 000 608 608 608 608 608 520** 420** -.104* 346** 549** Sig (2-tailed) 000 000 N 608 608 417** 558** -.206** Sig (2-tailed) 000 000 000 N 608 608 608 ua 608 n Sig (2-tailed) n va Correlation ll fu m 344** oi Correlation 608 z z Correlation at 000 N nh Sig (2-tailed) Pearson 010 000 ht 608 608 608 230** 549** 608 000 k jm Correlation vb Pearson gm Intention to Use 417** 608 Pearson Self Efficacy 520** 608 N Perceived Trust 344** 608 Pearson Perceived Cost -.143** 000 al Compatibility Correlation pl Usefulness and 560** Perceived Ease 000 608 608 om ** Correlation is significant at the 0.01 level (2-tailed) 608 l.c 000 * Correlation is significant at the 0.05 level (2-tailed) a Lu Regressions Analysis n n va 5.1 Multiple Regressions b Model Summary Adjusted R Square Std Error of the Estimate R Square Change 345 340 51788 345 81 F Change 79.248 df1 df2 603 Sig F Change 000 th a 587 Change Statistics R Square y R te re Model t to Coefficientsa ng Model hi ep Unstandardized Standardized Coefficients Coefficients B Std t Sig 95.0% Confidence Interval for B Beta Error w n (Constant) lo Perceived Ease of Use ad 1.953 163 106 036 446 Collinearity Statistics Lower Upper Bound Bound Tolerance VIF 12.009 000 1.634 2.272 122 2.968 003 036 177 641 1.559 039 454 11.299 000 369 524 674 1.484 -.091 025 -.120 -3.586 000 -.140 -.041 967 1.034 061 032 067 1.898 058 -.002 125 869 1.150 Perceived Usefulness and y th Compatibility ju Perceived Cost yi Perceived Trust pl a Dependent Variable: Intention to Use ua al n 5.2 Hierarchical multiple regressions with moderating variable of Self- n va efficacy d fu Model Summary Change Statistics ll Adjusted R Square Std Error of the Estimate 345 340 51788 R Square Change 345 587a b 666 443 439 47765 682c 466 458 46949 022 oi R at m R Square Model nh 099 F Change df1 df2 Sig F Change 79.248 603 000 z 106.855 602 000 6.279 598 000 z vb a b om l.c gm d k c jm ht Predictors: (Constant), Perceived Trust , Perceived Cost, Perceived Usefulness and Compatibility, Perceived Ease of Use Predictors: (Constant), Perceived Trust , Perceived Cost, Perceived Usefulness and Compatibility, Perceived Ease of Use, Self Efficacy Predictors: (Constant), Perceived Trust , Perceived Cost, Perceived Usefulness and Compatibility, Perceived Ease of Use, Self Efficacy, Self Efficacy - Perceived Ease of Use, Self Efficacy - Perceived Usefulness and Compatibility, Self Efficacy - Perceived Cost, Self Efficacy - Perceived Trust Dependent Variable: Intention to Use n a Lu n va y te re th 82 t to a ng Coefficients hi Unstandardized Coefficients ep Model Std Error B w (Constant) n lo Lower Bound Upper Bound 12.009 000 1.634 2.272 036 122 2.968 003 036 177 Perceived Usefulness and Compatibility 446 039 454 11.299 000 369 524 -.091 025 -.120 -3.586 000 -.140 -.041 067 y th ju (Constant) yi Perceived Ease of Use pl n Perceived Trust ua Perceived Cost al Perceived Usefulness and Compatibility 061 032 2.783 170 058 -.002 125 000 2.449 3.117 -.014 035 -.016 -.394 693 -.083 055 384 037 391 10.404 000 312 457 -.083 023 -.109 -3.535 000 -.128 -.037 -.001 030 -.001 -.022 982 -.060 059 243 024 382 10.337 000 197 290 170 17.206 000 2.586 3.253 -.020 -.504 615 -.085 051 355 9.397 000 276 422 -.088 -2.753 006 -.113 -.019 -.007 -.198 843 -.065 053 9.768 000 186 279 579 563 -.032 059 -.093 -.006 009 080 va Self Efficacy 1.898 16.357 n 163 106 Perceived Trust 2.920 Perceived Ease of Use -.017 m 349 035 ll fu (Constant) 037 -.066 024 Perceived Trust -.006 030 Self Efficacy 232 024 Self Efficacy - Perceived Ease of Use 013 023 028 -.050 022 -.108 026 Self Efficacy - Perceived Cost 045 018 094 2.487 013 Self Efficacy - Perceived Trust -.003 019 -.006 -.150 at 364 z z vb k gm 881 -.040 034 om l.c a Dependent Variable: Intention to Use -2.237 jm Self Efficacy - Perceived Usefulness & Compatibility nh Perceived Cost ht oi Perceived Usefulness and Compatibility Sig 1.953 Perceived Cost t Beta 95.0% Confidence Interval for B Perceived Ease of Use ad Standardized Coefficients n a Lu n va y te re th 83 t to ng 5.3 Charts hi ep w n lo ad ju y th yi pl n ua al n va ll fu oi m at nh Figure 4: The Histogram z z k jm ht vb om l.c gm n a Lu n va y te re th 84 t to Figure 5: The Normal P-P Plot of Regression Standardized Residual ng hi ep w n lo ad ju y th yi pl n ua al n va ll fu oi m at nh z Figure 6: Scatterplot z k jm ht vb om l.c gm n a Lu n va y te re th 85